Why You Might Want This Card

What It’s Worth to You

The very unique and appealing thing about his card is the fact that it rounds your purchase up to the nearest 10 points, which can be very useful if you're in the habit of making very small purchases at grocery stores or gas stations because that is where you’ll also be earning 2% back per $1. This doesn’t apply to most of us, who spend $100’s at grocery stores per week and a chunk of change at the pump as well. So, to create a scenario for you, if everytime you’re buying your groceries, you decide to put a pack of gum on this card, yes, that could potentially be worth it for you. This one also will give you 10% points back for the first 100,000 ThankYou points you redeem per year, and we all love ThankYou points, so this is a decent perk, but is it still worth it?

Looking at the Big Picture

Let’s take a look at the card as a whole, because in reality, who is going to do a second check out at the grocery store for a pack of spearmint? Yes, there is a welcome bonus that comes after you spend $1000, No, it’s not a great one, in fact it’s pretty meager held up next to some other options out there. Citi also has a few rules that you’re going to want to look into before applying, normally it’s going to involve if you’ve gotten a Citi bonus within the last 24 months.

Bottom Line

Here is the nitty gritty. Those of us who have been doing this awhile have to admit, this is not a card you're going to want to waste an application on. If you want a card that gives you ThankYou Points, the Citi Premier has a great sign up bonus that justifies the annual fee, or the Chase Freedom and Chase Freedom Unlimited cards have $0 annual fee and very flexible Ultimate Reward points, both of which offer 0% APR for the first 15 months.